Credit Score Builder

WHAT IT DOES

Credit Score Builder gives DeFi protocols, lenders, and users a comprehensive on-chain credit scoring system based on wallet activity and DeFi behavior. It reads live on-chain data including wallet transaction history, lending protocol positions, repayment history, collateral ratios, borrowing behavior, and protocol interactions. The tool analyzes transaction volume, DeFi protocol usage, repayment rates, collateral management, and account age to generate a credit score from 0-100 with tier ratings (Excellent/Good/Fair/Poor/Very Poor). The score helps lenders assess borrower risk and helps users understand their on-chain reputation.

HOW TO USE

Connect your EVM wallet (optional—the tool can work in read-only mode). Enter the wallet address to evaluate and optionally a protocol address to focus the analysis. Click "Build credit score" to fetch current data from the chain. The tool displays the credit score, tier, total transactions, DeFi interactions, repayment history, average collateral ratio, account age, and risk level. A visual dashboard shows the score, tier, and component breakdown with color-coded indicators.

TECHNICAL APPROACH

This tool queries live on-chain data using ethers v5.7.2 with robust chunking and retry logic to handle RPC limits. It fetches transfer events for the target address using getLogs() with automatic chunk size halving on failure—starting at 50,000 blocks and reducing by half on each retry, up to 5 attempts. This ensures the tool works across public RPCs with varying block range caps. The tool analyzes transaction count, DeFi protocol interactions, repayment patterns, collateral ratios, and account age to compute a weighted credit score. Components include transaction activity (40 points), DeFi usage (20 points), repayment history (20 points), collateral management (10 points), and account age (10 points). All RPC calls are wrapped in a robust error handler that extracts the actual failure reason from Ethers error objects, digging three levels deep to avoid showing "[object Object]" when a call fails.

WHAT IT CANNOT SEE

This tool cannot account for off-chain credit history or real-world identity verification. It cannot predict future borrowing behavior. It cannot see transactions on private chains or layer-2 solutions not connected to the current network. It cannot verify the identity of wallet owners or detect Sybil attacks. It cannot account for credit history from protocols not integrated into the analysis. The tool provides a score based on on-chain data, but it does not guarantee that the score reflects the user's true creditworthiness or future repayment ability.

PLEASE NOTE

This tool supports EVM‑compatible chains only (Ethereum, Goerli, Sepolia, Arbitrum, Optimism, Polygon). Solana, Tron, Starknet, SUI, TON, Aptos, Bitcoin, Cosmos, and XRP are not supported. The tool is read‑only and does not require signing transactions—connect is optional for auto-filling your address. No contract addresses are hardcoded; you paste the contracts you are analyzing. The tool is free and open under the BotGentz PLAYBOOK‑C specification.